FLIPLENS · Investment brief

3095 L St, San Diego, CA 92102

Multifamily · 4 beds · 4 baths · 1558 sq ft

Listed for sale

Listing observation: 2026-07-27 02:14:59
Freshness and economics must support an alert before this becomes an actionable opportunity.

Asking price$950,000Observed listing price, not an offer

HOA / monthNot establishedSelected limit: $50/mo

Cached comparable indicationNot establishedAs-is research; not an after-repair valuation

Known mandatory fees / monthNot establishedHOA + land / space rent; tax and insurance extra

At a glance

Parcel identity is incomplete; investment decision needs supporting records

Variance granted for 2-4 Units Great opportunity for a first-time homebuyer or investor! This single-family residence includes a permitted attached ADU with its own private entrance, separate address (3097 L St), and separate utilities-ideal for generating rental income to help offset your monthly mortgage. The main home features 3 bedrooms, 3.5 bathrooms, and a 2-car garage, along with numerous recent upgrades including dual-pane windows, tile flooring, newer roof, updated plumbing, and fresh interior paint. The permitted 500 sq. ft. ADU offer…

Listing description · observed 2026-07-27 02:14:59

Scenario sandbox · unapproved assumptions

What purchase price makes the deal work?

All inputs below are editable assumptions. $115k works, six months and financing/cost percentages are comparison examples, not quotes or verified property costs. Enter an exit price if no coherent comparable range is available.

Purchase price ($)Hypothetical resale ($)All works + contingency ($)Hold to closing (months)Target profit before income tax ($)Target equity ROI (%)Available own capital ($, optional)

Financing & cost assumptions — inspect before relying on a scenario

Loan / purchase price (%)Annual interest, monthly accrual (%)Loan origination points (%)Acquisition closing costs (%)Selling costs (%)New buyer annual property tax (%)Other carry / month ($, excludes tax & known fees)

Interest-only acquisition loan. Works funded with cash; equal monthly works draws beginning at purchase. Insurance, utilities and upkeep belong in other carry. Known HOA and land rent are added automatically; do not include them twice. The available mandatory fee total is Not established / month. Acquisition/selling costs include negotiated transaction charges. Borrower income tax is excluded. Tax is a purchase-price sensitivity, not a current parcel tax quote. Enter all amounts explicitly.

No defendable exit-price assumption has been supplied. Profit and maximum offer are intentionally not calculated. Enter a hypothetical resale price to compare thresholds; an estimate remains a scenario until comparable sales and condition support it.

Hold and rent · separate strategy

Income, debt coverage and break-even rent

Rent has not been collected for this object. A property value estimate is not a rent estimate. Enter supported rent and annual expenses; income stays unknown until then.

Gross monthly rent ($)Vacancy and credit loss (%)Annual operating expenses ($)Annual replacement spending ($)

Operating expenses must include new-buyer taxes, insurance, management, repairs, HOA, land rent, utilities and other nonrecoverable expenses. Debt service and replacement spending are entered separately. No automatic deduction is repeated. Rental financing example uses the same rate/LTV and a 30-year amortization.

ADU / construction · conditional feasibility

Does the added project justify the capital and delay?

Eligibility, zoning, coastal rules, legal lot configuration, utilities, permits and build costs are not established. Do not capitalize an unapproved additional unit into today's supported value.

Incremental all-in ADU budget ($)Incremental net cash / month ($)Months until income beginsInvestment horizon (years)Annual required return (%)

Incremental cash-only comparison to no ADU: full additional project budget at acquisition; net income begins after the stated delay. Net income must already deduct all incremental operating costs, taxes, replacements and vacancy. No resale uplift is assumed; cash flows stop at the chosen horizon. Financing, if needed, must be modeled separately.

Evidence, sources and next data work

The system must resolve these facts before promoting an opportunity. Missing inputs are data work, not 1,870 manual investment reviews.

Live price & availability

Refresh the listing through an authorized source. Preserve previous price and observation time; stale active status is not current availability.

Exit value & condition

Obtain coherent closed sales, dates, size, condition and location adjustments. Establish scope and priced works. An as-is comparable range is not ARV.

NOD / NTS & trustee

Match the recorded instrument to the exact property and loan. Verify the current trustee sale status, postponements, rescissions and source timestamp.

Carry & transaction costs

Obtain purchase-based taxes, supplemental assessment estimate, insurance, fees, closing estimates and actual lending terms.

Rental evidence

Collect comparable achieved rents, vacancy and operating costs. Do not repurpose automated home values as rents.

ADU feasibility

Identify jurisdiction and parcel constraints, permitted configuration, utility scope, local fees, realistic approval/build timing and quotes.

Available listing facts and source references

SourceRealtor listing cache

Observed2026-07-27 02:14:59

Listing ID1751682192

Listing statusactive

Year built1969

Lot size (source units)Not available

Monthly mandatory feesNot established

Identity checkINCOMPLETE

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Evaluation engine v1 · deterministic cash-flow arithmetic · all figures USD · assumptions do not become verified facts after recalculation.